💼Freelancer🏢Business
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Reverse Rate Calculator
finance

Reverse Rate Calculator

Want to take home $80K? Find out what you should charge. Enter your target net income and we'll reverse-engineer your hourly, daily, and project rates.

🎯 Target-first pricing

Your target & costs

Software, equipment, insurance, coworking, etc.

Time & capacity

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Fill in your target income and capacity details, or click Try Sample to see how it works.

How reverse rate pricing works

Most freelancers start with "what's my hourly rate?" and hope they earn enough. Reverse pricing flips the question: "I want to take home $X — what must I charge?"

The calculator accounts for taxes, business costs, non-billable time (admin, marketing, learning), and vacation. The result is the minimum rate you need to hit your target income.

🔒 All calculations happen in your browser. No data is stored or uploaded.

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About This Tool

Want to take home $80K? Find out what you should charge. Enter your target net income and we reverse-engineer your hourly, daily, and project rates.

Target-first pricingTax & cost breakdownCapacity analysis

What Is the Reverse Rate Calculator?

A reverse pricing calculator for freelancers and consultants. Instead of asking "what's my hourly rate?", it asks "I want to take home $X — what must I charge?" It factors in taxes, business costs, non-billable time, and vacation to calculate the minimum hourly, daily, and project rates you need.

How to Use the Calculator

Enter your target annual net income (what you want in your pocket). Add your effective tax rate, annual business costs, working hours per week, billable percentage, and vacation weeks. The tool instantly shows your required hourly rate, day rate (8 hours), and project rate. The breakdown shows how much goes to taxes, costs, and your pocket per billable hour.

Frequently Asked Questions

How is this different from a regular rate calculator?
Most calculators start with your hourly rate and calculate your income. This tool works backwards — you enter your target take-home income and it calculates the minimum rate you need to charge. This is more aligned with how freelancers actually think about pricing.
What is billable percentage?
Billable percentage is the portion of your working hours that you actually bill to clients. The rest goes to admin, marketing, learning, and breaks. Most freelancers bill 50-70% of their time. If you bill 60% of a 40-hour week, that's 24 billable hours per week.
Does this account for taxes?
Yes. Enter your effective tax rate (not your bracket — your actual rate after deductions). The tool calculates the gross income needed to hit your target after taxes and business costs.

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No paywalls, no signups, no data sold. Built by a solo developer who believes useful tools should be accessible to everyone.

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